Trust Document Intelligence & Provision Extraction

The problem

Governing terms live in paper. The distribution standard, the successor trustee chain, the power of appointment, the retention clause, the perpetuities savings language: all of it sits in a scanned instrument in a document management system, and a version of it sits, re-keyed by hand, in the trust accounting system. Nobody can prove the two agree.

When a beneficiary asks why a distribution was denied, or an examiner asks how the account was coded, the answer is a trust officer's memory and a folder. Re-keying is where fiduciary risk enters. Not in the reading, but in the copying, and in the twelve years since the amendment nobody indexed.

What it reads

Document types the system ingests. Each is versioned in sequence so a superseded term never silently governs.

Trust instruments

Revocable and irrevocable, including the full amendment and restatement chain.

Amendments and restatements

Tracked in sequence, with effective dates, so a superseded term never silently governs.

Wills and pour-over wills

Including testamentary trust provisions.

Certifications of trust

The abbreviated instrument counterparties actually accept.

Powers of attorney and healthcare directives

Durable, springing, and limited.

Entity agreements

LLC operating agreements, family partnership agreements, and buy-sell provisions held inside trusts.

Court orders and settlement agreements

Modifications, reformations, non-judicial settlements, decanting instruments.

Beneficiary designations and elections

Including tax elections attached to the account.

What it proposes

The system produces a structured abstract of governing terms. Each field is extracted language with a citation back to the source. Nothing below is a conclusion. It is a proposed abstract for human review.

Parties and structure

Trust name, execution date, governing law and situs
Settlor or grantor; revocable or irrevocable; grantor or non-grantor for income tax
Current trustee, co-trustees, successor trustee chain, and the conditions that trigger succession
Trust protector or directed party, and the scope of the direction
Beneficiary classes: current income, remainder, contingent, with the language that defines membership

Distribution authority

The distribution standard as written, verbatim, with its citation — ascertainable (health, education, maintenance, support) versus absolute or sole discretion
Mandatory income provisions, unitrust or total-return conversions, annuity or fixed-sum payments
Withdrawal rights, including five-and-five powers and demand rights
Powers of appointment: general or limited, lifetime or testamentary, and the permissible class of appointees
Spendthrift language and any exceptions

Investment and administration

Investment authority: prudent investor default, expanded powers, or direction by a third party
Retention and concentration clauses naming specific holdings
Fee provisions and the basis on which compensation is calculated
Accounting, notice, and reporting duties owed to beneficiaries
Termination provisions, perpetuities savings language, and any decanting authority

Tax attributes

Marital deduction structure where present
Generation-skipping inclusion ratio and exemption allocation as reflected in the instrument
Charitable payout provisions and their computation basis

Every one of these is a proposal. The system extracts the language and points at where it found it. It does not conclude what the language means. A person does that, on the record, and the record says who.

The human-in-the-loop control model

1
Intake
Document is received, hashed, and versioned. The original is never modified.
2
Extraction
The system produces a proposed abstract. Every field carries a citation. Fields it cannot support with a citation come back empty, not guessed.
3
Officer review
A trust officer works the proposed abstract field by field against the source. Accept, correct, or reject. Corrections are recorded as corrections, not as silent overwrites.
4
Counsel review
Interpretive terms route to fiduciary counsel. No interpretive field advances on one signature.
5
Committee action
Terms that will drive a discretionary decision or a tax position go to committee with a written rationale attached.
6
Release to system of record
Only an approved abstract writes. Nothing reaches the trust accounting system without a named approver, a timestamp, and a citation behind every field.

There is no configuration that turns the gates off. A firm can decide who reviews what. A firm cannot decide that nobody reviews.

Review tiers

Tier	Example terms	Who approves
Clerical	Trust name, execution date, taxpayer identification, situs	One reviewer, sampled for quality
Structural	Trustee chain, beneficiary classes, revocability, fee basis	Trust officer, single approval, full audit record
Interpretive	Distribution standard, discretionary language, powers of appointment, investment direction, retention clauses	Trust officer plus fiduciary counsel — two people, never one
Judgment	Any term that will drive a distribution decision, a tax election, or a concentration position	Committee action with written rationale on the record

What this does not do

It does not give legal advice or render legal opinions.
It does not determine what a discretionary standard permits in a given case.
It does not authorize, calculate, or execute a distribution.
It does not write to a system of record without an approval.
It does not overwrite a term a human approved.
It does not replace counsel, a trust officer, or a committee. It gives them a faster first draft and a cleaner record.

Send a redacted instrument

Trust Document Intelligence